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Embedded money movement and financial operations

xpate Pro brings account management, transfers, and reporting directly into platforms, enabling businesses to build financial operations into their products and internal systems

Start building with xpate Pro

Explore the API

→

xpate Pro brings account management, transfers, and reporting directly into platforms, enabling businesses to build financial operations into their products and internal systems

Start building with xpate Pro

Explore the API

→

Control financial operations through APIs

xpate Pro allows businesses to integrate financial operations directly into their systems

With xpate Pro APIs, businesses can:

access account balances

retrieve transaction history

initiate transfers

automate payouts

access reporting data

All directly from their own platforms.

With xpate Pro APIs, businesses can:

Transparency in how we operate

retrieve transaction history

initiate transfers

automate payouts

access reporting data

All directly from their own platforms.

Account management APIs
Money movement APIs
Reporting APIs
Real-time financial data
Scalable platform integrations

Accounts
Bring account data directly into your platform.
Balances, transactions and account status available through APIs.
Name :
/accounts
{
"data": [
{
"id": "497f6eca-6276-4993-bfeb-53cbbbba6f08",
"merchantId": "c3073b9d-edd0-49f2-a28d-b7ded8ff9a8b",
"currency": "GBP",
"balances": {
"total": "1500.00",
"available": "1200.00"
}
},
{
"id": "5a1c2d3e-7890-4abc-def1-234567890abc",
"merchantId": "c3073b9d-edd0-49f2-a28d-b7ded8ff9a8b",
"currency": "EUR",
"balances": {
"total": "3200.50",
"available": "3200.50"
}
},
{
"id": "8b7e6d5c-4321-4fed-cba9-0987654321ff",
"merchantId": "c3073b9d-edd0-49f2-a28d-b7ded8ff9a8b",
"currency": "USD",
"balances": {
"total": "5000.00",
"available": "4500.00"
}
}
]
}
Payins
Move money programmatically.
Initiate and manage transfers directly from your systems.
Name :
/transfers
{
"data": [
{
"transferId": "tr_01J4A8K2M001",
"amount": "12,450.00",
"currency": "EUR",
"feeAmount": "0.50",
"description": "Invoice payment",
"network": "sepa",
"status": "completed",
"creationDate": "2026-07-30T08:15:42Z",
"transferType": "incoming",
"sender": {
"accountHolderName": "Northwind Trading Ltd",
"accountNumber": "DE21500105170648489890",
"bic": "BANKDEFFXXX",
"address": {
"country": "DE",
"city": "Munich",
"street": "Lindenstrasse 42",
"postalCode": "80331"
}
}
},
{
"transferId": "tr_01J4A8K2M002",
"amount": "2,980.50",
"currency": "GBP",
"feeAmount": "0.30",
"description": "Consulting services",
"network": "faster_payments",
"status": "completed",
"creationDate": "2026-07-30T09:41:18Z",
"transferType": "incoming",
"sender": {
"accountHolderName": "Blue Horizon Ltd",
"accountNumber": "GB82WEST12345698765432",
"bic": "BARCGB22XXX",
"address": {
"country": "GB",
"city": "London",
"street": "Harbour Road 18",
"postalCode": "SW1A 4AB"
}
}
},
{
"transferId": "tr_01J4A8K2M003",
"amount": "845.90",
"currency": "EUR",
"feeAmount": "0.20",
"description": "Subscription payout",
"network": "sepa",
"status": "completed",
"creationDate": "2026-07-30T10:12:56Z",
"transferType": "incoming",
"sender": {
"accountHolderName": "Digital Commerce SAS",
"accountNumber": "FR7630006000011234567890189",
"bic": "AGRIFRPPXXX",
"address": {
"country": "FR",
"city": "Lyon",
"street": "Rue Victor Hugo 27",
"postalCode": "69002"
}
}
},
{
"transferId": "tr_01J4A8K2M004",
"amount": "18,200.00",
"currency": "USD",
"feeAmount": "5.00",
"description": "Settlement payment",
"network": "swift",
"status": "completed",
"creationDate": "2026-07-30T11:37:05Z",
"transferType": "incoming",
"sender": {
"accountHolderName": "Global Ventures Inc",
"accountNumber": "US64SVBKUS6S3300958879",
"bic": "CHASUS33XXX",
"address": {
"country": "US",
"city": "New York",
"street": "Madison Avenue 245",
"postalCode": "10118"
}
}
},
{
"transferId": "tr_01J4A8K2M005",
"amount": "5,600.00",
"currency": "EUR",
"feeAmount": "0.40",
"description": "Marketplace settlement",
"network": "sepa",
"status": "completed",
"creationDate": "2026-07-30T12:03:19Z",
"transferType": "incoming",
"sender": {
"accountHolderName": "Marketplace Europe BV",
"accountNumber": "NL91ABNA0417164300",
"bic": "INGBNL2AXXX",
"address": {
"country": "NL",
"city": "Rotterdam",
"street": "Westplein 15",
"postalCode": "3016 BM"
}
}
},
{
"transferId": "tr_01J4A8K2M006",
"amount": "1,245.75",
"currency": "EUR",
"feeAmount": "0.25",
"description": "Customer refund",
"network": "sepa",
"status": "completed",
"creationDate": "2026-07-30T13:46:08Z",
"transferType": "incoming",
"sender": {
"accountHolderName": "Retail Payments GmbH",
"accountNumber": "DE44500105175407324931",
"bic": "COBADEFFXXX",
"address": {
"country": "DE",
"city": "Hamburg",
"street": "Alsterweg 91",
"postalCode": "20095"
}
}
},
{
"transferId": "tr_01J4A8K2M007",
"amount": "32,800.00",
"currency": "EUR",
"feeAmount": "0.75",
"description": "Merchant settlement",
"network": "sepa",
"status": "completed",
"creationDate": "2026-07-30T15:11:44Z",
"transferType": "incoming",
"sender": {
"accountHolderName": "Commerce Group Sp. z o.o.",
"accountNumber": "PL61109010140000071219812874",
"bic": "WBKPPLPPXXX",
"address": {
"country": "PL",
"city": "Warsaw",
"street": "Marszalkowska 58",
"postalCode": "00-545"
}
}
},
]
}
Payouts
Automate money distribution.
Enable payouts without leaving the platform experience.
Name :
/transfers
{
"data": [
{
"transferId": "9728e485-ecaf-448f-9d00-963563faf289",
"merchantId": "e6ec4e6c-e6b8-43d2-bc80-b9b3d8f77c5e",
"accountId": "bb85523f-88ce-4e3d-b2aa-2576664da969",
"clientReference": "e2e-pro-1772178283502",
"amount": "10.50",
"feeAmount": "0.02",
"currency": "EUR",
"transferType": "outgoing",
"description": "Test transfer v1",
"network": "sepa",
"beneficiary": {
"type": "corporate",
"accountNumber": "LV17MLLK0000000123654",
"accountHolderName": "Baltic Tech Solutions",
"address": {
"country": "LV",
"city": "Riga",
"street": "Negu iela, 7",
"postalCode": "LV-4201"
}
},
"status": "pending",
"creationDate": "2026-02-27T07:59:49.025Z"
},
{
"transferId": "60f647eb-a06f-49cf-82fb-9e1bcb378b96",
"merchantId": "e6ec4e6c-e6b8-43d2-bc80-b9b3d8f77c5e",
"accountId": "bb85523f-88ce-4e3d-b2aa-2576664da969",
"clientReference": "e2e-1772446910521",
"amount": "10.07",
"feeAmount": "0.02",
"currency": "EUR",
"direction": "outgoing",
"transferType": "internal",
"description": "Test transfer v1",
"network": "sepa",
"beneficiary": {
"merchantId": "c3073b9d-edd0-49f2-a28d-b7ded8ff9a8b"
},
"status": "completed",
"creationDate": "2026-03-02T10:21:52.023Z",
"completionDate": "2026-03-02T11:22:10.550Z"
}
],
"nextCursor": "eyJpZCI6IjEyMzQ1Njc4OTAifQ=="
}
Reporting
Access structured financial data through APIs.
Build visibility directly into internal tools and products.
Name :
/reports
{
"eventId": "6a9c9d95-899d-4784-ac43-5dcf8f0fb451",
"eventType": "report_generated",
"timestamp": "2026-03-12T11:22:44Z",
"version": "1.0",
"data": {
"id": "4560a3e0-12b2-437b-978d-3ab5ad6e26a0",
"status": "completed",
"reportType": "settlement-statement",
"parameters": {
"dateFrom": "2026-03-01",
"dateTo": "2026-03-06",
"currency": "EUR",
"dateBy": "order-date"
},
"mimeType": "application/pdf",
"hash": "N8tQhIC96W2tXdVU3P2bBpUJ2IEYxSN2TqzQ4K+5hlk=",
"hashAlgorithm": "sha256",
"sizeBytes": 30944,
"fileName": "some_file.pdf",
"expiresAt": "2026-03-19T11:22:45.000Z",
"createdAt": "2026-03-12T11:22:26.179Z"
}
}

Core capabilities

Accounts

Payins

Payouts

Reporting

Access structured financial data through APIs.

Build visibility directly into internal tools and products.

Payouts

Automate money distribution.

Enable payouts without leaving the platform experience.

Payins

Move money programmatically.

Initiate and manage transfers directly from your systems.

Accounts

Bring account data directly into your platform.

Balances and account status available through APIs.

Name :

/accounts

{
"data": [
{
"id": "497f6eca-6276-4993-bfeb-53cbbbba6f08",
"merchantId": "c3073b9d-edd0-49f2-a28d-b7ded8ff9a8b",
"currency": "GBP",
"balances": {
"total": "1500.00",
"available": "1200.00"
}
},
{
"id": "5a1c2d3e-7890-4abc-def1-234567890abc",
"merchantId": "c3073b9d-edd0-49f2-a28d-b7ded8ff9a8b",
"currency": "EUR",
"balances": {
"total": "3200.50",
"available": "3200.50"
}
},
{
"id": "8b7e6d5c-4321-4fed-cba9-0987654321ff",
"merchantId": "c3073b9d-edd0-49f2-a28d-b7ded8ff9a8b",
"currency": "USD",
"balances": {
"total": "5000.00",
"available": "4500.00"
}
}
]
}

Financial infrastructure, built for software

xpate Pro connects digital platforms to financial infrastructure through APIs, enabling account management, money movement and reporting directly within products and internal systems

Digital Platforms

xpate Pro

Accounts

Payins

Payouts

Reporting

APIs

Automation

Financial Infrastructure

One API. Multiple financial operations

Instead of connecting multiple operational systems, businesses can manage financial workflows through a single integration

Get started

→

Get started

→

Get started

→

Built for platforms where money is part of the product

xpate Pro is designed for businesses that want financial operations embedded directly into their platform experience

SaaS Platforms
Build financial visibility directly into customer and admin experiences
Marketplaces
Manage balances, settlements and payouts programmatically
Fintechs
Embed account management and money movement into products
Digital Platforms
Automate financial operations at scale
Neobanks
Embed banking experiences into digital products

SaaS Platforms
Build financial visibility directly into customer and admin experiences
Marketplaces
Manage balances, settlements and payouts programmatically
Fintechs
Embed account management and money movement into products
Digital Platforms
Automate financial operations at scale
Neobanks
Embed banking experiences into digital products

How platforms use xpate Pro

xpate Pro is designed for businesses that want financial operations embedded directly into their platform experience

Marketplace payouts

Automatically distribute seller earnings through platform workflows

Payout batch · 20 recipients

Payout batch · 7 recipients

Payout batch · 14 recipients

Payout batch · 34 recipients

Scheduled for 19 Jun

total €40,200

Embedded reporting

Bring financial data directly into dashboards and internal tools

Sales volume

+93.2%

Treasury operations

Monitor balances and automate money movement through APIs

Balances

€ 256,849,315

€

205,479,452.00

58,525,684.92

Liquidity control

Keep liquidity visible and accessible across accounts and currencies

Funds status

live

Available

€ 5,240,975

In transit

€ 1,430,080

Reserved

€ 900,000

Financial operations become part of the platform

xpate Pro turns accounts, transfers and reporting into programmable building blocks that can be integrated directly into products and internal systems

Bring financial operations into your platform

Manage accounts, move money, and automate workflows through APIs

Explore the API

→

Do you prefer email?

hello@xpate.com

Copied

Bring financial operations into your platform

Manage accounts, move money, and automate workflows through APIs

Explore the API

→

Bring financial operations into your platform

Manage accounts, move money, and automate workflows through APIs

Explore the API

→

Do you prefer email?

hello@xpate.com

Copied

Embedded money movement and financial operations

Embedded money movement and financial operations

Control financial operations through APIs

Control financial operations through APIs

xpate Pro allows businesses to integrate financial operations directly into their systems

Accounts